WO2009065257A1

WO2009065257A1 - A method for solding banknotes to client as goods

Info

Publication number: WO2009065257A1
Application number: PCT/CN2007/003306
Authority: WO
Inventors: Kamfu Wong
Original assignee: Kamfu Wong
Priority date: 2007-11-22
Filing date: 2007-11-22
Publication date: 2009-05-28
Also published as: CN101868801A

Abstract

A method for selling banknote to client as goods is provided for packaging designated denomination and quantity of banknote and coins with packaging materials. A client pays for the bundles through POS (2) and gets the bundle after achieving payment. Since in the present invention banknote are sold to client as goods, a merchant gets commission charge from selling the bundles, meanwhile the client need not to withdraw on ATM.

Description

A method of selling banknotes as goods to customers

[Technical Field]

The present invention relates to the field of electronic payment technology, and more particularly to a banknote package and a method of selling banknote packages.

【Background technique】

At present, the ATMs of general banks are usually set up in places where there are many people, so that customers can access cash. However, due to the large number of customers, the number of ATMs is limited. In some busy hours, customers generally need to automatically It is very inconvenient to queue up in front of the machine to access cash at the ATM. In addition, at present, merchants with a small scale, especially in some merchants with multiple locations, mostly have P0S machine systems. As of the end of 2006, there are 890,000 P0S machines in China, and the coverage of P0S machines is very large. If you can use the resources of the existing POS system, you can provide customers with the withdrawal function equivalent to the ATM, which can not only facilitate the guests, but also make up for the shortage of the ATM.

[Summary of the Invention]

SUMMARY OF THE INVENTION It is an object of the present invention to provide a banknote package and a method of selling a banknote package, which provides a customer with a withdrawal function equal to that of an automatic teller machine.

The object of the present invention is to achieve such a method of selling a banknote package, characterized in that the method comprises the merchant collecting a bank card (1) of the customer through the POS machine (2) to collect money for purchasing the banknote package, After the payment is successful, the merchant will hand over the banknote package to the customer. And, a banknote package is characterized in that the banknote package is surrounded by a banknote and/or a coin of a specified denomination and quantity.

This achieves the object of the present invention.

The present invention sells banknotes as goods to customers, and merchants can earn a fee from selling banknotes. On the customer side, customers can go to the merchant to buy banknotes at any time, without having to go to the ATM to withdraw money. The invention fully utilizes the characteristics of the existing P0S machine with large coverage, and can make up for the shortage of the automatic cash dispenser. [Description of the Drawings]

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a schematic explanatory view showing the steps of a method of selling a banknote package of the present invention.

In the figures, the same numerals represent the same systems, devices, and component devices, and the method steps are indicated by the number of circles and the straight line with arrows. The drawings are schematic to illustrate the main steps of the construction and method of the system of the present invention.

【detailed description】

The method of the present invention will be further described in detail below with reference to the accompanying drawings.

Referring to Figure 1, Figure 1 is a schematic illustration of the steps of the method of selling a banknote package of the present invention, showing a method of selling a banknote package, the method comprising a merchant using a POS machine (2) to swipe a customer's bank card. (1) Receiving the payment for the purchase of the banknote package, the merchant will hand over the banknote package to the customer after the payment is successful.

Continuing to refer to FIG. 1, the method illustrated in the figure includes the following group A steps, which are steps for the customer to purchase a banknote package at the merchant. The specific steps are as follows: Al. The customer tells the merchant the type and quantity of the banknote package to be purchased, and then handing the bank card (1) to the merchant. The merchant inputs the type and quantity of the banknote package in the POS machine (2), and the customer's bank card ( 1) Put the card on the P0S machine (2), and the card data of the bank card (1) is read by the P0S machine (2). The card information includes the card number and/or payment password of the bank card (1). Information

A2. P0S machine (2) Calculate the payment amount from the type and quantity of the banknote package, and then transfer the credit card information, payment amount, P0S machine (2) number, etc. to the acquiring bank.

(3);

A3. The acquiring bank (3) find the merchant bank account number corresponding to the P0S machine (2) number from the P0S machine (2) number, and then pass the merchant bank account number, credit card information, payment amount and other information to the payment gateway (4). Transfer to the issuing bank (5) request transfer payment;

A4. Issuing bank (5) Find the customer's bank card (1) card number from the card information, find the customer bank account number corresponding to the card number from the bank card (1) card number, issue the bank (5) check the card information, payment amount, etc. After the information is correct, through the payment gateway

(4) Transfer money from the customer's bank account to the merchant's bank account of the acquiring bank (3);

A5. After the transfer is successful, the acquiring bank (3) sends the receipt success message to the P0S machine (2); A6. P0S machine (2) prints the receipt to the customer, and the merchant counts the banknote package purchased by the customer to the customer. .

In the present specification, the banknote package is comprised of a banknote and/or a coin of a specified denomination and quantity in a packaging material. The banknote package can be pre-packaged by the merchant and then sold to the customer. The banknote package can also be provided by the bank. The bank packs the banknotes into banknote packages in advance. Merchants, so banks can reduce the number of ATMs and save costs. In terms of merchants, you can earn a handling fee from selling banknotes. For example, a banknote package with a 500-yuan banknote can be sold at a price of 505 yuan. The merchant can earn a difference of 5 yuan, and the bank can save the withdrawal of the cash dispenser. Operating costs can benefit both banks and merchants, and customers can avoid having to queue up for withdrawals at the ATMs with a small fee. In addition, the banknote package provided by the bank to the merchant may be printed on the packaging material of the banknote package including the denomination, the quantity, the banknote number and the like of the banknote in the banknote package. If there is an error in the banknote package or a counterfeit banknote event, the information printed on the packaging material can help the bank track the cause of the error.

The advantage of the invention is that the customer can purchase the banknote package at the merchant, without having to go to the cash dispenser to take the money, and make full use of the large coverage of the existing P0S machine, which can make up for the shortage of the automatic cash dispenser. Its implementation is beneficial to merchants, customers, banks, etc.

Claims

Rights request

A method for selling banknotes, characterized in that the method comprises the merchants charging the customer's bank card (1) by the POS machine (2) to collect the money for purchasing the banknote package, and after the payment is successful, the merchant will pay the banknotes. To the customer.

2. The method of selling banknote packages according to claim 1, wherein said method comprises the following steps of group A, wherein the customer purchases a banknote package at the merchant, and the specific steps are as follows:

A1. The customer tells the merchant the type and quantity of the banknote package to be purchased, and then handing the bank card (1) to the merchant. The merchant inputs the type and quantity of the banknote package in the POS machine (2), and the customer's bank card ( 1) Put the card on the P0S machine (2), and read the card data of the bank card (1) by POS^ (2). The card information includes the card number and/or payment password of the bank card (1). A2. P0S machine (2) Calculate the payment amount from the type and quantity of the banknote package, and then transfer the credit card information, payment amount, P0S machine (2) number and other data to the acquiring bank (3);

A4. Issuing bank (5) Find the customer's bank card (1) card number from the card information, and find the customer bank account number corresponding to the card number from the bank card (1) card number, the issuing bank (5) After verifying that the credit card information, payment amount and other information are correct, transfer the payment amount from the customer bank account to the merchant bank account of the acquiring bank (3) through the payment gateway (4);

3. A banknote package for selling a banknote package to a customer by the method of claims 1 to 2, characterized in that the banknote package is wrapped in a packaging material with a specified denomination and quantity of banknotes and/or coin.

4. The banknote package according to claim 3, wherein the packaging material of the banknote package is printed with information such as a denomination, a quantity, a banknote number, and the like of the banknote in the banknote package.